How To Protect Yourself From Hackers Online
Protect yourself from hackers using these simple methods.
Open a separate bank account for internet purchases
If your main bank accounts are cleaned out by fraudsters, you can lose everything.
The best method is to set up a totally separate ‘online shopping’ bank account which can be used purely for online shopping purchases.
You would still retain your original bank account for things like monthly direct debits and other regular outgoing payments.
This means that when you want to go shopping online, you just deposit enough money into the new online shopping account to pay for the online transactions you are going to make.
The cash in this account will only be there for a short time, as most of the time the account will be showing a very low balance, which is good for security.
Have a look at a simple bank account that does not charge fees for missed direct debits or standing orders and it doesn’t require a credit check either, like Card One Banking.
Select the right bank
Some banks and organisations are much better than others at fraud protection. Which? magazine printed a league table of banks rated by how many complaints had been received.
It is worth having a look at their report to see who came out best in the surveys or better still, who came out worst!.
Use security programs
Use mobile phone apps to manage your bank accounts as they were developed with security in mind and are less vulnerable than laptops and computers.
Clean up your old data
Spend several hours purging old on-line ‘user accounts’. Many online companies let you store your bank details and credit card details on their website and whilst this makes it much easier and quicker for you to make purchases, they do hold your details on their database.
If their database was ever hacked, you could be in trouble.
You need to additionally:
– Ensure your e-mail account is protected with a ‘two step’ confirmation procedure, which means if a person logs in from a fresh computer, you might be sent an alarm.
– Look out for a padlock symbol or the letters ‘Secure | https:’ at the start of a web address, which is the sign of a secure website like ours.
– Be cautious of telephone calls or e-mails asking for private or cash details.
A business or a reputable bank will never you ask for the PIN code.
You have now been warned how to help protect yourself from hackers, so it’s best to take action now to protect against this happening to you.